Final Results

Banco Santander Central Hispano SA
25 February 2005

Press Release

 Grupo Santander attributable net income rose 20% to EUR 3.136 billion in 2004

  • These results do not include Abbey profits, which will be included in
    2005. Abbey has been included in the Group's consolidated year-end balance
    sheet.
  • The dividend per share charged to these earnings is increased by 10% to
    EUR 0.3332, a yield of 3.8% on the average price for 2004.
  • Profit growth was underpinned by increased revenues - loans grew by 18%
    and customer funds by 13% - and control of costs.
  • Profit during the period came from recurring businesses, as the
    extraordinary earnings of EUR 831 million were applied to cover costs
    related to early retirements (EUR 527 million), to early amortization of
    goodwill (EUR 154 million) and to a provision for costs associated with the
    acquisition of Abbey (EUR 155 million).
  • Retail banking in Europe grew by 19% in loans and 12% in manager funds,
    generated earnings of EUR 2.120 billion, an increase of 20.4%.
  • Latin America registered a strong increase in business activity, with
    growth of 25% in loans and 18% in customer funds in local currencies. Net
    attributable income increased 7.1% in dollars, to US$1.595 billion.
  • The efficiency ratio improved by 1.9 percentage points, with costs at
    47.4% of overall revenues. This enabled net operating income to grow by
    14.4%, rising above EUR 6 billion for the first time.
  • The non-performing loans rate, excluding Abbey, fell to a record low of
    1.27%, with NPL coverage by provisions at 208%. The solvency ratio stands at
    13%.


Madrid, February 25, 2005 - Grupo Santander net attributable income rose to EUR
3,136 million in 2004, an increase of 20.1% from 2003. In the fourth quarter,
ordinary net income rose 17.2% from the year-earlier period to EUR 798 million.
Capital gains realized during the period and earnings from Abbey, which was
acquired in November, 2004, are not included in the year-end results, though it
has been incorporated into the Group's year-end consolidated balance sheet.

These are the best results in the history of the Group, which after the
acquisition of Abbey is the ninth largest bank in the world by market
capitalisation, with a stock market value of nearly EUR 60,000 million. These
earnings have enabled the Group to increase the per share dividend by 10%, even
with the addition of 1.486 billion new shares, issued in exchange for Abbey
shares. Those shares received two of the four dividend payments charged against
2004 earnings, despite Abbey's profit not being included in those results.

Grupo Santander's performance in 2004 was marked by strong growth in business
and profit from the most recurring business areas in both Europe and the
Americas, while maintaining cost control and enhancing risk quality. This
strategy has led to increased market share in the Group's benchmark markets and
an improvement in the main management ratios such as efficiency, credit quality
and profitability. Moreover, this was achieved while the offer for Abbey was
launched and its acquisition completed in a record 110 days.

By improving results and performance we enhance management ratios

Efficiency
January - December 2002        January - December 2003       January - December 2004    Improvement (December 2003 -
                                                                                        December 2004)
52.3%                          49.3%                         47.4%                      -1.9%

ROE (cash basis)
January - December 2002       January - December 2003        January - December 2004    Improvement (December 2003 -
                                                                                        December 2004)
16.0 %                        17.4 %                         19.2%(*)                   +1.8%

NPL ratio:
January - December 2002        January - December 2003        January - December 2004   Improvement (December 2003 -
                                                                                        December 2004)
1.89 %                         1.55 %                         1.27 %                    -0.28%

Coverage ratio:
January - December 2002  January - December 2003  January - December 2004  Improvement (December 2003 - December 2004)
140 %                    165 %                    208%                     +43%

Note: All ratios are ex-Abbey, in order to be able to make like-for-like
comparisons.

(*) Estimate without the capital increase.

Results

Growth in business enabled net interest revenue to reach EUR 8,636 million in
2004, up 8.5% from 2003. This improvement had a favourable effect on fee income,
which rose 10.5%. Particularly noteworthy were the increases of 22.4% in
commissions from mutual funds and pensions, 46.8% from insurance and 15.4% from
cards. By area, strong growth of 26.4% in local currencies was registered in
Latin America Retail Banking and of 11% in European Retail Banking.

Results Key highlights. REVENUES

Growth in net interest revenue spurred by retail banking in Europe and America

Data in million euros

Group net interest revenue
January - December 2003                 January - December 2004                 Improvement:
7,958                                   8,636                                   +8.5%

Net interest revenue of operating business areas (w/out dividends)
                  Q1'03        Q2'03        Q3'03        Q4'03        Q1'04        Q2'04        Q3'04        Q4'04
Total             1,968        1,927        2,006        2,050        2,046        2,131        2,178        2,256
Retail Banking     772          698          727          745          777          817          864          878
America
European          1,081        1,123        1,175        1,196        1,164        1,197        1,232        1,286
Retail Banking

This enabled basic revenue, which measures the capacity to generate profit, to
grow by 9.2% to EUR 13,245 million. After trading gains of EUR 953 million,
little changed from 2003, net operating revenue came to EUR 14,198 million,
growth of 8.1%.

Controlled costs held growth in general expenses to 3.3% after increases linked
to business relaunches in some countries and the implementation of corporate
projects.

The growth of revenues at nearly three times the rate of growth in costs led to
an improvement in the efficiency ratio of 1.9 percentage points. Overall general
and personnel costs now account for EUR 47.4 of every EUR 100 of net operating
revenue. Grupo Santander's net operating income exceeded EUR 6 billion for the
first time, with an increase of 14.4% to EUR 6,545 million.

Provisions for non-performing loans rose to EUR 1,648 million, an increase of
10.2% from 2003. This was the result of increased provisions to generic and
statistical funds, while earmarked provisions fell.

Contributions from equity-accounted Group holdings, not including dividends,
were EUR 540 million, an increase of 32.7%, thanks to the greater contributions
from institutions such as The Royal Bank of Scotland, Cepsa, Attijari Wafabank,
Urbis and the Group insurance companies.

Profit from group transactions came to EUR 466 million, a decline of 51.2%,
nearly all of which was from capital gains realised on the sale of 2.5% of the
Royal Bank of Scotland. Moreover, the Group realised capital gains of EUR 241
million on the sale of 0.46% of Vodafone and of EUR 118 million on the public
sale of 4% of Shinsei Bank. The gains realised on these last two sales are
accounted for as other results, an area which also shows charges of EUR 850
million due to the Group's decision to make certain provisions to strengthen the
balance sheet. Most noteworthy is the charge for EUR 527 million for early
retirements. Moreover, accelerated amortization of goodwill has resulted in a
charge of EUR 154 million, and costs related to the acquisition of Abbey in a
charge of EUR 155 million.

All extraordinary capital gains applied to extraordinary allowances

         Capital Gains: EUR 831 million                                        Application: EUR 836 million
RBoS                                472                                 Early retirement                 527

                                                                         (net of taxes)
Vodafone                            241                             Accelerated goodwill (*)             154
                                                                          amortisation
Shinsei                             118                            Abbey's acquisition related           155
                                                                              costs

(*) Venezuela and Colombia, especially.

Net attributable income for 2004 rose to EUR 3,136 million, up 20.1% from 2003.
If ordinary amortisation of goodwill is added to this result, to facilitate
international comparison, the net attributable cash-basis profit would be EUR
3,601 million.

Retail banking accounted for 82% of profit from the business areas. Retail
banking in Europe, whose earnings for the first time exceeded EUR 2 billion (at
EUR 2,120 million, up 20.4%) contributed 55% and Latin American Retail Banking
27%, with earnings of EUR 1.039 billion, a 2.4% decline due to the increased
minority interests following the sale of 24.9% of Santander Serfin (in March
2003) and the depreciation of the dollar. Without these factors, profit would
have risen by 7.4%. The two global business areas (Asset Management/Private
Banking and Global Wholesale Banking) contributed 18% of profit, with EUR 351
million (+9,9%) and EUR 331 million (+46.8%), respectively.

In Latin America, the key countries showed progress in their results. In Brazil
in 2004, Group net attributable income was US$ 850 million, up 7.4%; in Chile,
US$ 336 million, up 22.3%; in Mexico, US$ 412 million, down 10.3% (which would
have been an increase of 17.1% on a like-for-like, gross profit comparison).

Business

At the close of 2004, Grupo Santander, including Abbey, managed funds worth EUR
715,393 million, of which EUR 575,398 million are on the balance sheet and the
remainder off-balance sheet customers' funds, such as mutual funds and pensions.
In order to facilitate a like-for-like comparison, the figures and percentage
changes below do not include Abbey.

The key to performance in 2004 has been strong growth in business volumes in
Europe as well as in Latin America. Credit grew by 18% and customers funds by
13%, absorbing any negative impact from exchange rates.

Grupo Santander lending, without Abbey and excluding the effect of
securitisations, rose by 17.7% to EUR 204,467 million at the end of 2004, the
eighth consecutive quarter of growth.

En Europe, Retail Banking showed strong growth in all countries. Loan volume
rose to EUR 144,274 million, an increase of 19%, excluding the effect of
securitizations. In Spain, Santander Central Hispano lending activity grew by
19% that of Banesto by 23%. Mortgage lending and loans to businesses both grew
by more than 23%.

European Retail Banking

Strong business growth, especially in loans ...
        mar-03        jun-03         sep-03         dec-03         mar-04         jun-04         sep-04         dec-04
         270.1         279.3          285.7          299.4          305.7          317.8          324.5          338.1

Loans (*) and customer funds (**) (EUR Billion)
Loans:                                                      Customer funds:
+19%                                                        +8%

Variation Dec '04 / Dec '03
                                                        Loans (*)                      Customer funds (**)
Retail Santander                                           +19%                                +8%
Banesto                                                    +23%                                +9%
Santander Consumer                                         +30%                               +24%
Portugal                                                 +4%(***)                              +2%

(*) including securitizations

(**) customer funds ex-REPOs, mutual funds and pension funds

(***) including amounts materialised in fixed-income: +10%

Of particular note in 2004 was the success in Spain of business initiatives such
as the Superoportunidad series of mortgages, which generated EUR 11,700 million
in loans, and the Tarjeta Unica, developed jointly with the Autoclub Repsol,
which has sold more than 200,000 cards, of which 50% were to new customers or
replaced unused cards.

Our consumer finance unit, Santander Consumer, recorded strong growth, with an
increase in new financing of 30%, or 23% if the units acquired in Poland, Norway
and the Netherlands in 2004 are not included. Of particular note was automobile
financing, which grew by 24%, well above the growth in automobile sales.
Financing through consumer loans and credit cards rose by 36%. By country,
Santander Consumer business activity grew by 25% in Spain and Portugal, by 36%
in Italy and 19% in Germany.

In Portugal, Santander Totta lending grew by 4%, excluding the impact of
securitisations, with very positive performance in mortgages, which grew by 12%,
and in consumer financing, which increased 16%.

In Latin America, the business has performed very favourably. Overall lending
increased by 25% in local currencies, with increases of 37% in Brazil, 27% in
Mexico and 19% in Chile. This growth led to an increase in regional market share
of 0.6 percentage point, to 11.6%.

The focus of the Group's banks in Latin America on their retail business and the
development of businesses deemed to be strategic (credit cards, cash management,
trade, investment funds and insurance) has yielded higher growth in business
with individuals and small and medium-sized enterprises. This strategy
contributed to an increase in income from fees and commissions of 26.4%,
excluding the exchange rate effect.

 Total Latin America

 Significant business growth ...
        mar-03         jun-03         sep-03         dec-03         mar-04         jun-04         sep-04         dec-04
          93.7           96.5           96.8          101.5          107.4          110.6          114.6          122.9

  Loans (*) and customer funds (**) (constant US$ Billion)

Loans:                                                      Customer funds:
+25%                                                        +19%

 Variation Dec '04 / Dec '03
                                        Loans (*)                               Customer funds (**)
Brazil                                                   +37%                                    +17%
Mexico (*)                                               +27%                                    +17%
Chile                                                    +19%                                    +19%
Venezuela                                                +97%                                    +71%
Puerto Rico                                               +8%                                    +19%

 (*) including securitizations

(**) customer funds ex-REPOs, mutual funds and pension funds

 The growth of Group lending activity has come hand-in-hand with a decline in
the non-performing loan ratio, so that the volume of non-performing and doubtful
loans fell in 2004 to a record low of 1.27% of lending compared to 1.55% a year
ago. The Group's NPL rate in Spain is 0.65%, in consumer finance (Santander
Consumer) 2.2% and in Latin America 2.6%. At the same time, NPL coverage
continued to increase and is now at 208%. The rate of coverage in Spain is 329%
and in Latin America 162%.

In savings, total managed customer funds came to EUR 365,605 million at the
close of 2004, up 12.9% from a year earlier. Balance sheet funds grew by 11.7%
to EUR 240,151 million and off-balance sheet funds by 15.2% to EUR 125,454
million.

Total deposits in Spain, less repurchase agreements, investment funds and
pensions plans, grew by 18.7% from the prior year. Balance sheet resources grew
by 22% from 2003, while investment funds increased 14.6% and pension funds by
10.9%. The Group's market share in assets under management in funds in Spain
continued to stand above 27%.

In Latin America, total managed customer funds increased by 18.2% in local
currencies, with an increase of 18.3% in balance sheet funds, 20.2% in
investment funds and 15.2% in pension plans. Total customer funds rose by 17% in
Brazil and Mexico and by 21% in Chile.

Acquisition of Abbey National

In an extraordinary shareholders meeting on October 14th, the shareholders of
Abbey National approved, with the favourable vote of 94.2% of the present and
represented capital, the proposal to acquire the bank made by Grupo Santander on
July 26th. One week later, on October 21st, also in an extraordinary meeting,
Santander shareholders approved the transaction with the favourable vote of
99.4% of the present and represented capital. On November 12th, Grupo Santander
issued 1.4859 billion new shares to exchange for Abbey shares, so that the
former Abbey shareholders have become members of the shareholder base of
Santander.

The largest cross-border European banking acquisition was completed in a record
110 days. The Group's capital increase was valued at EUR 12,541 million and the
shares priced at EUR 8.44.

Abbey's balance sheet has been consolidated into Grupo Santander as of December
31st 2004, so that its acquisition has affected the balance sheet but not the
income statement of these results. As a result of this consolidation, the
geographic distribution of Group assets has changed significantly. Some 40% of
Grupo Santander loans are now in the United Kingdom, 39% in Spain and 10% in the
rest in Europe, and 10% in Latin America.

With Abbey's consolidation into the Grupo Santander balance sheet, eligible
capital of the Group comes to EUR 41,303 million, a surplus of EUR 15,852
million over BIS minimum required levels. At the close of 2004, the BIS ratio
stood at 13% and core capital at 5.2%. The sale, in January, 2005, of 2.57% of
the Royal Bank of Scotland had a positive impact of 0.23 point in the BIS ratio
and of 0.20 point in core capital.

The share and dividend

The Santander share ended 2004 at EUR 9.13, a decline of 2.8% from the end of
2003, a year in which the share rose 43.6%. The performance of the share was
affected by the launch in late July of the public offer to acquire Abbey. Once
the transaction was successfully completed, the Santander share registered a
strong increase, and has risen 21% since the offer was announced. The Group's
capitalization is about EUR 60,000 million, consolidating its position as the
euro zone's leading bank and the ninth largest bank in the world.

The Board of Directors of Santander approved a fourth dividend payment against
2004 earnings of EUR 0.0842 per share, to be paid from May 1st. With this
payment, the total dividend paid against 2004 results comes to EUR 0.3332 per
share, an increase of 10%. Moreover, the third and fourth dividends are paid on
the new shares delivered in November 2004 to former Abbey shareholders,
increasing the payout by EUR 250 million. The dividend yield for Santander
shareholders was 3.82% on the basis of the average share price during the course
of 2004.

As a result of the acquisition of Abbey, the shareholder base of Grupo Santander
increased significantly to 2,685,317 shareholders. The Group's workforce stood
at 126,488, serving 60 million customers in 9,973 offices.

Other important information

At a presentation to be made in Madrid this morning at 10:00 a.m. (09:00 a.m.
London time), Grupo Santander will announce that the share buy-back programme
which has been in place since July 26, 2004, will not be renewed when it expires
on March 31, 2005. In that presentation Grupo Santander will also provide
information about the accounting effects of Abbey's integration in the Group on
shareholders' equity and goodwill. The presentation is available on the
corporate web of  Grupo Santander www.gruposantander.com

Income statement                                   2004                         2003                   Variation
              Mill. euros                    %ATA       Mill. euros      %ATA        Amount        (%)
Interest revenues                              18.103,8         5,04      17.203,7        5,07        900,1        5,23
Dividends                                         647,4         0,18         441,5        0,13        206,0       46,65
Interest expenses                            (10.115,6)       (2,82)     (9.686,9)      (2,86)      (428,7)        4,43
Net interest revenue                            8.635,7         2,41       7.958,3        2,35        677,4        8,51
Net fees and commissions                        4.609,3         1,28       4.170,6        1,23        438,7       10,52
Basic revenue                                  13.245,0         3,69      12.128,9        3,58      1.116,1        9,20
Trading gains                                     952,7         0,27         998,8        0,29       (46,1)      (4,62)
Net operating revenue                          14.197,7         3,95      13.127,7        3,87      1.070,0        8,15
Personnel and general expenses                (6.735,2)       (1,88)     (6.477,7)      (1,91)      (257,5)        3,98
a) Personnel expenses                         (4.135,3)       (1,15)     (4.049,4)      (1,19)       (85,9)        2,12
b) General expenses                           (2.599,9)       (0,72)     (2.428,3)      (0,72)      (171,6)        7,06
Depreciation                                    (735,0)       (0,20)       (762,8)      (0,23)         27,8      (3,65)
Other operating costs                           (182,3)       (0,05)       (166,5)      (0,05)       (15,8)        9,48
Operating costs                               (7.652,5)       (2,13)     (7.407,0)      (2,18)      (245,5)        3,31
Net operating income                            6.545,2         1,82       5.720,7        1,69        824,5       14,41
Income from equity - accounted holdings           540,4         0,15         407,3        0,12        133,1       32,69
Less: Dividends from equity - accounted           365,5         0,10         309,5        0,09         56,0       18,09
holdings
Earnings from Group transactions                  466,2         0,13         955,6        0,28      (489,3)     (51,21)
Net provisions for loan - losses              (1.647,7)       (0,46)     (1.495,7)      (0,44)      (152,0)       10,16
Writedown of investment securities                (0,3)       (0,00)           0,7        0,00        (0,9)           -
Accelerated goodwill amortization               (153,8)       (0,04)     (1.719,2)      (0,51)      1.565,4     (91,06)
Other income                                    (850,3)       (0,24)         754,6        0,22    (1.604,9)           -
Income before taxes (cash-basis*)               4.899,8         1,36       4.624,0        1,36        275,8        5,97
Corporate tax                                   (766,8)       (0,21)       (869,4)      (0,26)        102,7     (11,81)
Net consolidated income (cash-basis*)           4.133,0         1,15       3.754,5        1,11        378,5       10,08
Minority interests                                325,9         0,09         306,7        0,09         19,2        6,27
Dividend - preferred shareholders                 206,4         0,06         314,5        0,09      (108,1)     (34,38)
Net attributable income (cash-basis*)           3.600,7         1,00       3.133,3        0,92        467,4       14,92
Ordinary goodwill amortization                  (465,2)       (0,13)       (522,5)      (0,15)         57,3     (10,97)
Net attributable income                         3.135,6         0,87       2.610,8        0,77        524,7       20,10
(*) Before ordinary goodwill
amortization.

 Loans

Million euros
                                                                                             Variation excl. Abbey
                                                           2004      2004 w/o           2003       Amount          (%)
                                                                        Abbey
Public sector                                           4.206,6       4.206,6        5.487,4    (1.280,8)      (23,34)
Private sector                                        123.760,9     123.760,9      103.515,6     20.245,3        19,56
Secured loans                                          60.267,8      60.267,8       47.999,6     12.268,2        25,56
Other loans                                            63.493,1      63.493,1       55.516,0      7.977,1        14,37
Non-resident sector                                   214.209,5      76.499,1       68.617,7      7.881,4        11,49
Secured loans                                         132.722,9      18.289,0       18.796,1      (507,1)       (2,70)
Other loans                                            81.486,6      58.210,2       49.821,6      8.388,5        16,84
Gross loans                                           342.177,0     204.466,6      177.620,7     26.845,9        15,11
Less: allowance for loan-losses                         6.969,3       5.955,9        5.116,7        839,2        16,40
Net loans                                             335.207,7     198.510,7      172.504,0     26.006,7        15,08
Note: Doubtful loans                                    4.046,5       3.115,8        3.276,7      (160,9)       (4,91)
Public sector                                               2,4           2,4            0,9          1,5       167,00
Private sector                                            866,6         866,6          930,7       (64,1)       (6,89)
Non-resident sector                                     3.177,5       2.246,9        2.345,1       (98,3)       (4,19)



Customer funds

Million euros
                                                                                               Variation excl. Abbey
                                                    2004          2004 w/o         2003         Amount        (%)
                                                                    Abbey
Public sector                                          13.966,2      13.966,2        9.225,9      4.740,2        51,38
Private sector                                         82.170,0      82.170,0       77.918,9      4.251,1         5,46
Demand deposits                                        25.700,2      25.700,2       25.089,2        611,0         2,44
Saving accounts                                        18.602,3      18.602,3       17.823,4        778,8         4,37
Time deposits                                          19.474,4      19.474,4       18.640,1        834,3         4,48
REPOs                                                  17.766,9      17.766,9       16.348,5      1.418,4         8,68
Other accounts                                            626,3         626,3           17,7        608,5            -
Non-resident sector                                   197.709,5      77.706,0       72.190,7      5.515,3         7,64
Deposits                                              180.609,5      71.730,0       65.885,5      5.844,6         8,87
REPOs                                                  17.100,0       5.976,0        6.305,2      (329,3)       (5,22)
Total customer deposits                               293.845,7     173.842,2      159.335,6     14.506,6         9,10
Debt securities                                        84.007,2      53.432,7       44.441,2      8.991,5        20,23
Subordinated debt                                      20.194,1      12.875,7       11.221,1      1.654,6        14,75
Total customer funds on balance sheet                 398.047,0     240.150,6      214.997,9     25.152,7        11,70
Total managed funds (off-balance sheet)               139.994,7     125.454,0      108.903,0     16.551,0        15,20
Mutual funds                                           94.125,2      92.778,9       80.502,0     12.276,9        15,25
Spain                                                  69.588,5      69.588,5       60.725,4      8.863,1        14,60
Abroad                                                 24.536,7      23.190,4       19.776,6      3.413,8        17,26
Pension funds                                          34.872,9      21.678,5       19.494,8      2.183,7        11,20
Spain                                                   7.375,4       7.375,4        6.652,7        722,7        10,86
Individuals                                             6.329,8       6.329,8        5.767,7        562,1         9,75
Abroad                                                 27.497,5      14.303,1       12.842,1      1.461,0        11,38
Managed portfolios                                     10.996,5      10.996,5        8.906,1      2.090,4        23,47
Spain                                                   2.916,5       2.916,5        2.450,5        466,0        19,02
Abroad                                                  8.080,0       8.080,0        6.455,6      1.624,4        25,16
Total customer funds                                  538.041,7     365.604,5      323.900,8     41.703,7        12,88

 Shareholders' equity and capital ratios

Million euros
                                                                                                Variation
                                                           2004              2003          Amount          (%)
Subscribed capital stock                                        3.127,1        2.384,2          742,9         31,16
Paid-in surplus                                                20.370,1        8.720,7       11.649,4        133,58
Reserves (includes net reserves
at consolidated companies)                                      7.366,3        6.102,5        1.263,8         20,71
Total primary capital                                          30.863,5       17.207,4       13.656,1         79,36
Net attributable income                                         3.135,6        2.610,8          524,7         20,10
Treasury stock                                                  (104,2)         (10,2)         (94,0)        925,90
Distributed interim dividend                                    (791,6)        (739,1)         (52,5)          7,10
Shareholders' equity at period-end                             33.103,4       19.069,0       14.034,4         73,60
Interim dividend pending distribution                           (519,1)        (369,6)        (149,6)         40,47
Final dividend                                                  (526,6)        (335,7)        (190,9)         56,85
Shareholders' equity after
allocation of period-end results                               32.057,6       18.363,7       13.693,9         74,57
Preferred shares                                                7.393,4        4.484,9        2.908,6         64,85
Minority interests                                              1.678,0        1.575,8          102,2          6,49
Shareholders' equity and minority interests                    41.129,1       24.424,4       16.704,7         68,39
Basic capital (Tier I)                                         23.830,8       16.951,2        6.879,6         40,58
Supplementary capital                                          17.471,8        8.570,2        8.901,7        103,87
Eligible capital                                               41.302,7       25.521,4       15.781,2         61,84
Risk weighted assets (BIS criteria)                           318.133,2      205.253,4      112.879,8         55,00
BIS ratio                                                         12,98          12,43           0,55
Tier I                                                             7,49           8,26         (0,77)
Excess (amount)                                                15.852,0        9.101,1        6.750,9         74,18


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